Credit union · NCUA insured
Commonwealth Credit Union Credit Card Rates
Top CarrotCommonwealth Credit Union credit cards start at 14.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Commonwealth Credit Union’s credit card rates compare
Compared with banks and credit unions near Lexington, KY, where Commonwealth Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Commonwealth Credit Union
14.90%APR
- Up to
- 18.00% APR
MY Card Visa
Lowest rate
Lexington Postal Credit Union
8.25%APR
- Up to
- —
2nd-lowest rate
Transcend Credit Union
8.90%APR
- Up to
- 17.90% APR
Commonwealth Credit Union credit card score
62
Credit card score
Higher than 7% of U.S. banks and credit unions
- Purchase APRPurchase APR14.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Commonwealth Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
MY Card Visa
Variable APR based on creditworthiness and qualifications; maximum APR is 18.00%. All loans subject to approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.90%–18.00% | None | Standard variable purchase APR of 14.90% to 18.00% based on creditworthiness and qualifications; maximum APR is 18.00%. |
| Intro, 12 months | 0.00% | None | Introductory 0% APR on balance transfers for up to 12 months for transfers completed between 7/01/2026 and 12/31/2026; standard variable APR of 14.90% to 18.00% applies after the promotional period (or changes to standard rate on 6/30/2027); no balance transfer fee. |
Sources (2)
All captured Oct 5, 2026
Who can join Commonwealth Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons living, working, conducting business, worshipping, or attending school in 35 specified Kentucky counties, as well as businesses located there, are eligible to join.
Employers and groups
- Employees of Baptist Health Lexington or Zoeller are eligible for membership.
Military, government and schools
- Members of Kentucky Education Association or Kentucky Retired Teachers Association are eligible to join.
- Employees and members of specific state government and education entities in Kentucky are eligible for membership.
Family and household
- Immediate family members of current members are eligible to join.
Other ways
- Individuals can become eligible for membership by joining one of the credit union's partner associations at no cost.
Membership information collected October 4, 2026.